Mantras to Save Money

As some of you may know, I have a mantra that I say at the till every time I am in a bookstore (weekly, at the very least):  “At least it’s not shoes, at least it’s not shoes, at least it’s not shoes.”

I love my mantra, but I do acknowledge that it is a bit of a Pyrrhic victory to “save” on shoes only to spend on books.  In the very same moment, I proclaim and undermine my virtue by pretending that my spending is anything but indulgent.  Shoes or books, whatever your addiction, if you have to have a mantra when you spend, your purchase is probably less a necessity than an indulgence.  My claim to virtue rests entirely on my perception that shoes are a frivolous indulgence while books are a sound investment.  I acknowledge that I could probably well stand to spend a bit more time and money on clothes (including shoes) and a lot less on books, but there you go.  I can easily resist one, and struggle mightily to resist the other.

I am not a big fan of diets or of deprivation; my attempts to stop buying books have not gone well.  But I have found Eliza’s Cross’s money diet challenge to be an effective and wholesome mantra: “no unnecessary spending.”   As part of her January Money Diet, in its fifth year this year, participants pledge to save money and to try to go for a month without spending cash, taking a 31-day break from all but the most essential spending.  I did not sign up, but I am observing with interest from a distance.

One of the places in which I am most guilty of unnecessary spending is the drug store at the end of my street.  I’ve been in there a lot this month, finally taking myself and each of the three boys in turn for our flu shots (hooray!), and I’m always running in for milk or bread.  We also get loyalty points when we spend, which is terrible temptation to spend more, more, more.  Well, not this month.  In the drug store, when I was tempted to replace the tube of lip gloss that ran out, the one shade out of dozens that I own, I stopped myself short by saying, “No unnecessary spending.”  When I found myself itching to try a new body lotion, in spite of the many half-finished tubs and bottles at home, I said, “No unnecessary spending.”  When I reached for a new shade of nail polish, I thought of all I had, and said, “No unnecessary spending.”   It never felt like deprivation.  It felt calming and empowering.  It made me grateful for what I already have and it made me come home and unearth it.  It was wonderful.

imgres-6It did not work in the bookstore.

I have not been on a money diet for January.  I have taken a romantic holiday alone with my husband, I have gone out for decadent meals with him, and for fun meals with friends.  We consumed too many calories, we spent too much on food and wine.  But none of that spending felt wrong or indulgent.  I am a better parent, wife and friend for those luxuries, and that, I think, is what good spending should achieve: a sense of well-being, a sense of being ahead of where you were before you spent the money rather than guilt for feeling behind or in debt.

The money diet mantra has also given me a sense of well-being.  It reminds me of my life of plenty, and makes me grateful for my existing small luxuries.


6 thoughts on “Mantras to Save Money

  1. “a sense of being ahead of where you were before you spent the money rather than guilt for feeling behind or in debt.” I’m going to pin that to my wall. [“My Shopper’s Addiction” would be a pretty good Canadian TLC show if you ask me….]

  2. It does feel calm and empowering to cut back on the unnecessary spending. Like you, I don’t deprive myself but after reading Happy Simple Living’s January Money Diet, I am more mindful and that makes me feel in control – and saving money is an added bonus!

  3. People in their eighties and nineties looking back at their long lives have said
    that their regrets are more often about the opportunities for change
    they didn. If you are planning to have an outdoor adventure,
    you need to be prepared with your outdoor camping gear. Campers will study breads
    and pastries, beef and poultry, seafood, cake decorating as
    well as the skills that cross over all of these areas like chopping, garnishes and more.
    Another aspect you should be concerned with is
    how counselors are dealing with the trouble makers in the group.

    Examples of adventures include a trip to the beach, a hiking trail trip, a mountain climbing trip, a water sports trip, a recreational vehicle
    trip, a trip to a state or national park to name a few.

    This is a tool based on the inverse Zeno effect, a phenomenon from quantum physics in which we’ve
    discovered that we can slow down or speed up subatomic
    processes just by measuring them. Such a style is largely similar to what teams like Barcelona or even Bayern Munich (Under Pep Guardiola) are doing, just on the
    big pitch. Also, make sure you will be able to
    visit the ghost town, since some are on private property and not open to the public.
    The learned to work as a team as well as overcome fears. You
    could be rigid and continue to do things the same way over and

  4. When you pass the CPA exam you have literally opened the door
    to a world of opportunities. The last place
    you must look to when you are wanting for sensible solutions is to the IRS.
    o A good CPA can assist you and your situation by offering more specialized advice and tax tips.

Comments are closed.